The most profitable way for a bank to maintain the minimum required reserves is to hold large amounts of excess reserves.
Large amounts of excess reserves do not help a bank; they represent resources that could be used for loans-thus too many excess reserves only decrease the profitability of the bank.

Question

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Holding large amounts of excess reserves does not help the bank as it represents resources that could be used for loans, therefore it decreases the profitability of the bank. The most profitable way for a bank to maintain the minimum required reserves is to hold as few excess reserves as possible while still meeting the regulatory requirements.

The Most Profitable Way for a Bank to Maintain the Minimum